U.S. Bank Business Shield® Visa® Card
- Best for: Owners who can get a longer 0% offer at a U.S. Bank branch
- What Sets It Apart: 0% on balance transfers as well as purchases, at a lower ongoing rate than U.S. Bank’s Triple Cash card
- Rewards: 5% back on prepaid flights, hotels, and car rentals in U.S. Bank’s Travel Center; $50 credit a year after $5,000 there
- Features: Purchase Security; Spend Management syncs with accounting software; free employee cards; owner liable with the business
- Annual Fee: $0
- Intro APR: 0% for 12 billing cycles on purchases and on transfers made within 30 days
- APR: 16.49% to 25.49% variable
- Cost: 5% balance transfer fee ($5 minimum); 3% foreign transaction fee; $41 late fee; 29.99% penalty APR
- Eligibility: U.S. residents 18 or older who will use it mainly for business
- Pros: Interest-free transfers too; no annual fee; Purchase Security
- Cons: No welcome offer; no everyday rewards; 5% transfer fee
Get the U.S. Bank Business Shield® Visa® Card only if a U.S. Bank branch offers you more time at 0% than its online offer of 0% for 12 billing cycles. Online, the bank’s no-annual-fee Triple Cash Rewards business card gives the same 0% for 12 billing cycles on purchases and transfers and pays cash back on everyday business costs.
The Business Shield is U.S. Bank’s no-annual-fee card for a business that wants time at 0% interest to pay off a big purchase or a balance moved from another bank’s card. U.S. Bank no longer takes applications for its Business Platinum card, whose page now redirects to the Business Shield page.
Key Features
- 0% for 12 billing cycles on purchases and on balances transferred within 30 days of opening
- A variable APR (annual percentage rate) of 16.49% to 25.49%, based on your credit, on any balance not paid off before the 0% ends
- $0 annual fee, and no fee for employee cards
- 5% back on prepaid flights, hotels, and car rentals booked through U.S. Bank’s Travel Center, plus a $50 statement credit in each account year you book $5,000 there
- Open to a side business applying as a sole proprietor, with you liable for the balance along with the business
Pros
- 0% on balance transfers as well as purchases
- A lower ongoing rate than U.S. Bank’s Triple Cash Rewards business card
- Purchase Security, which can reimburse an eligible item that’s stolen or damaged
- Spend Management tools that sync with your accounting software
Cons
- 0% for 12 billing cycles on purchases, against 0% for 15 billing cycles on Bank of America’s Platinum Plus Mastercard Business card
- A 5% fee on each transfer, or $500 to move $10,000
- No rewards on everyday spending, only on travel booked through U.S. Bank
- Any late payment can end the 0% early, and two payments 5 days late or one 30 days late can bring a 29.99% penalty APR
- A 3% fee on foreign transactions
Get the Business Shield only if a U.S. Bank branch offers more than the 0% for 12 billing cycles it gives online, since branch applicants got 18 billing cycles when the card launched in February 2026. Online, the Triple Cash gives the same 0% for 12 billing cycles on purchases and transfers and pays 3% back on eligible gas, office supply, cell phone, and restaurant purchases.
Learn more about the U.S. Bank Business Shield® Visa® Card or see how it compares to the best small-business credit cards.
Editorial & Advertiser Disclosure: The editorial content on this page is not provided, commissioned, reviewed, approved, or otherwise endorsed by any advertiser. Opinions expressed here are ours alone, not those of any advertiser. The offers that appear on this site are from companies that compensate us. That compensation may influence which products we cover and where and how they appear on a page – including the order in which they appear – but it does not influence our evaluations, ratings, or opinions. We do not include every company or offer available in the marketplace.
Related:
